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A dynamic payment network for South Africa

Payments,
orchestrated.

AM-Pay™ brings card payments, Instant EFT, PayShap, QR, DebiCheck and invoicing into one mobile-first platform — built for SMEs, micro-merchants, township businesses and agriculture-linked enterprises that mainstream gateways overlook.

Built on the rails you already trust
Visa & Mastercard Instant EFT PayShap DebiCheck
Trusted by leading brands across South Africa
Absolute Resorts & Hotels
Tsogo Sun
Sun International
Amplifin
South African Tourism
Mycomax
Forever Resorts, Lodges, Hotels & Retreats
Netcash
Albatross Group
R62bil
SA e-commerce market we're building for
2.6mil
SMEs across South Africa
R900bil
Township economy, largely underserved
3 in 1
Payments, credit & Albatross products
For individuals

Your money,
moving faster

Send, receive, and manage money alongside your Albatross MONEY™ loans and insurance — everything in one account.

Instant transfers

Send money to anyone on the AM-Pay network in seconds — friends, family, or businesses.

Loan repayments

Repay your Albatross MONEY™ micro-loan directly from your AM-Pay wallet — no branch visit needed.

Insurance premiums

Pay Albatross insurance premiums automatically so you never miss a payment or risk your cover.

Track every rand

All your transactions in one clear feed — payments in and out, loan repayments, and premium deductions.

Set up recurring payments for loan instalments and insurance, then forget about it.

Recent activity
Loan repayment — Albatross
– R1,250.00
Settled
Transfer from S. Mokoena
+ R500.00
Received
Insurance premium — RB Brokers
– R320.00
Settled
Merchant — Pick n Pay
– R187.50
Pending
For businesses & merchants

Get paid.
Stay paid.

From invoice to settlement in seconds — AM-Pay gives your business the payment infrastructure it needs to grow.
Live now

DebiCheck collections

Authenticated debit order collections with mandate confirmation from the debtor's bank — the lowest-dispute way to collect recurring payments.

Live now

Pay Now gateway

Accept once-off and recurring payments by card or Instant EFT through a simple, secure checkout.

Live now

Digital client onboarding

KYC/FICA documents, eMandate capture and account linking — all handled through a guided digital portal.

Coming soon

QR & link payments

Generate a payment link or QR code instantly. Customers pay from any AM-Pay wallet — no card machine needed.

Coming soon

Payroll & creditor payments

Pay staff and suppliers instantly through AM-Pay — same-day, no batch files, no bank delays.

Coming soon

Developer API

Integrate AM-Pay into your platform with a clean REST API and a full sandbox environment.

Built for the businesses others overlook

One platform,
every kind of merchant

From informal traders to agricultural cooperatives, AM-Pay is designed around the realities of South African business — not against them.
See all solutions

SMEs & micro-merchants

Low-fee, mobile-first payment acceptance built for businesses that mainstream gateways price out.

Fast onboardingInstant settlement

Township businesses

Payment tools tailored to informal trading environments, backed by Albatross Group's community networks.

Trust-buildingCash-to-digital

Agriculture-linked enterprises

Cash flow tools built around seasonal income, leveraging Albatross Group's existing agricultural networks.

Seasonal cash flowCredit access

E-commerce & online sellers

Developer-friendly tools to launch a store and accept payments online, with real-time reconciliation.

API & pluginsMulti-rail checkout
Seamlessly connected to Albatross MONEY™
Loan disbursements, insurance premiums, and vehicle finance payments all flow through the AM-Pay network — one ecosystem, zero friction.
Micro-loan disbursement
Vehicle finance payments
Insurance premium collection
Pricing

Simple,
transparent fees

No hidden charges. Pay only for what you use.
Personal
Free / month
For individuals managing personal payments and Albatross products.
  • Instant transfers within AM-Pay
  • Loan & insurance payments
  • Transaction history
  • 1% fee on external transfers
Get started
Enterprise
Custom
For large businesses, platforms, and API integrations at volume.
  • Everything in Business
  • REST API access
  • Dedicated account manager
  • Custom settlement terms
  • Volume-based pricing
Contact sales
See full fee schedule

Ready to join the
AM-Pay network?

Individuals, merchants, and businesses across South Africa trust AM-Pay to move money fast and securely.

WhatsApp us Apply now
AM-Pay Assistant
Online · usually replies instantly
Hi 👋 I'm the AM-Pay Assistant. Ask me about pricing, DebiCheck, signing up, or how AM-Pay works — or tap a suggestion below.